WRAL Reader Question
I have a credit card account that has been closed.
I received a letter back around January stating that I had only 10 days to pay up, but the fine print stated that I had 30 days to respond. It was supposedly a "legal letter" but it had no date on the postage to prove when it was mailed and it came through the regular mail.
This same company, which I tried to look up online and found nothing to help me, recently left me a voice mail stating that I had a complaint pending against me.
My first question is, Is this company considered a junk debt buyer?
And what happens if I have a complaint in their office pending against me?
Should I call them back or are they just using scare tactics?
I know that I need to get a copy of my credit report to see just how long it has been since there was a payment made.
Also, in NC, just how far can these collection agencies go? Will I end up in jail? In court? Please help!!!
Stop. Breathe. Everything will be fine.
Before you start panicing and reacting to their assertions and manipulative statements we need to figure out if the people calling you can even validate the debt and provide supporting documentation you owe them the debt.
It might be they are a legitimate debt collection agency that is authorized to collect on this debt. Or maybe they bought the debt and are trying to collect.
But there has been so many fake and bogus debt collectors spring up over the past few years that I am skeptical of most all.
There has also been a big issue over the lack of documentation the debt buyers have on the original debt. Many times they don't have enough information to even accurately calculate what you owe or even prove they properly own the debt at all.
So let's take a fair, rational and logical step here and ask the debt collector to validate the debt first and ask them to prove the debt is valid.
To see a sample of a debt validation letter you need to send them within 30 days of being contacted by them, read How to Dispute and Ask a Debt Collector to Validate a Debt.
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